Eyes On Retirement

I recently increased my term and critical illness coverage by another $1M and $300k respectively. I checked around with many providers and ended up with Manulife as it's what I need, without all the bells and whistles. AIA offered total coverage for recurrent illnesses, but I figure if I get the same cancer twice, I'd probably be dead by then. So there's no need to pay a premium for that type of policy. Sometimes plain vanilla is the best. I also considered disability insurance where they pay you an amount on a monthly basis. While this sounds like a great idea, the insurers will make it difficult for you to claim this, with strange delay clauses and exclusions. It's much cleaner to receive a large lump sum payment and manage it from there. Why these figures for critical illness? I based it on annual family expenses. Most insurance agents will tell you like 5-10x of your salary, just to get you to buy a bigger policy. An agent that looks out for you will tel

As I travel quite often for work, I’m going to keep a record of all the hotels I’ve stayed in, to serve as a reminder of what works and what doesn’t. It’ll make future bookings much easier. Location: Although located in Kuningan, getting to the office is relatively quick by car. Door to door transport time is shorter. It's a better option than the shangrila. Offices surround the hotel so don't expect to go anywhere once you return. Room: Corner room. New and modern with a huge bathroom. The bed is heavenly. Westin never fails. Gym: The treadmills and ellipticals overlook the sky (pollution rather). What I really like about Westin gym's is that they have the TRX system and sufficient weight machines. Small space for free weights. Breakfast: The place is so big that I got lost trying to find various counters. The spread is wide, with lots of fried food options (not ideal for breakfast) and the usual omellete and bread station. If you pick carefully, there are healt